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Auto Loan with Tax Lein on CR

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qcezwadxs
New Member

Auto Loan with Tax Lein on CR

Hi. I was wondering if someone was in my situation and had any experience to help me with my situation.

 

I have IRS tax Leins on my name on 2008-2009 (29k) and 2010(11k)

 

I recently paid off my 28k Lein and have letter of release of the of Lein 668Z.

 

I also paid the balance off my 11k 2010 lein and have yet to recieve the release letter.

 

My scores are 710-Experian and 721 with Transunion, even with the leins. I have been making timely CC payment since 2009, also paid off a car loan in 2011 satisfactorily. Before 2009 I had some late payments, if that matters.

 

My current salary is 80k and have not other payments since I live with my wife who has a paid off house.

 

I naievly applied for loan with 2 CU in an attempt to get a auto loan for 30k for a really low rate thinking that the lein would show up as paid or released.

 

But they both declined stating that I have a lein on my report.

 

So here is my question to you guys - What should I do to get the lein off my credit report?

 

Also how fast would I be able to get a loan for 25-30k? How much should I wait for it to clear up on my report before reapplying?

 

Do lenders look at old liens and reject applications?

 

Please help me!!

Message 1 of 4
3 REPLIES 3
ktl72455
Valued Contributor

Re: Auto Loan with Tax Lein on CR

I had 3 judgements (2 paid ..not updated.. 1 unpaid yet) 1 tax lein, 1 forclosure and nurmerous CO's and went to a dealer that approves all credit ..  the dealer pulled app and sent to other ans Chase financed me for 17,000.00 ( cost of car)

 

 

From MI.
12/4/12 TU 589 MyFico ~EQ 579 MyFico ~EX 577(Fako)

Myfico 8 scores
6/12/20 TU 803 ~ EQ 814~ Ex 784
My Wallet: Cap1 3,500K ~FH 2950~Credit One 1750~Credit one #2 1250~Orchard Bank 400 ~NFCU nRewards 18,000~NFCU Cash Rewards 18,500 ~Care Credit 12000~Discover 6000~Lowes 5450~ Amex 5400.00 ~ Harvest King 8000 ~ Langley~Penfed~Service CRU~red stone cru~
UTL 17%
Message 2 of 4
qcezwadxs
New Member

Re: Auto Loan with Tax Lein on CR

Thank You ktl72455 for replying.

 

So much APR did you get?

Message 3 of 4
ktl72455
Valued Contributor

Re: Auto Loan with Tax Lein on CR

7.5%

From MI.
12/4/12 TU 589 MyFico ~EQ 579 MyFico ~EX 577(Fako)

Myfico 8 scores
6/12/20 TU 803 ~ EQ 814~ Ex 784
My Wallet: Cap1 3,500K ~FH 2950~Credit One 1750~Credit one #2 1250~Orchard Bank 400 ~NFCU nRewards 18,000~NFCU Cash Rewards 18,500 ~Care Credit 12000~Discover 6000~Lowes 5450~ Amex 5400.00 ~ Harvest King 8000 ~ Langley~Penfed~Service CRU~red stone cru~
UTL 17%
Message 4 of 4
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